| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BELUE & ASSOCIATES3 | 7715 WINDSOR FOREST PLACE HARRISBURG, NC 28075 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $50K | $0 | $50K | 9.94% |
| CRAIG PLOCH3 Filed as: CRAIG H. PLOCH | 1470 NORWICH ROAD WINSTON SALEM, NC 27127 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $33K | $0 | $33K | 16.05% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE SERVICES, INC. | PO BOX 327 GARNER, NC 27529 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $713 | $0 | $713 | 0.35% |
| MARK O. BELUE3 | 7715 WINDSOR FOREST PLACE HARRISBURG, NC 28075 | HARTFORD LIFE AND ACCIDENT | $311 | $0 | $311 | 15.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 531 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 531 | $708K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 531 | $505K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 531 | $505K |
| Other(4 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 531 | $710K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.